This is a website operated by Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") under the domain name "www.anz.com" ("ANZ Website"). The ANZ Website is operated on behalf of ANZ and its related bodies corporate (together called the "ANZ Group")

Your use of the information, graphics and materials on the ANZ Website ("Material on this website") is governed by these Terms of Use and the Privacy and Security Statement.

In addition to the terms contained in this document, there are also specific terms which form part of the Terms of Use and govern your use of, and access to, certain sections of the ANZ Website. Since you are also bound by these additional terms, you should review them wherever they are accessible by you on the ANZ Website.

The ANZ Website may contain links to other websites operated by third parties ("Third Party Websites"). The ANZ Group does not endorse, or approve of the operators of Third Party Websites, or the information, graphics and material on those Third Party Websites ("Third Party Material").

Subject to any applicable law which cannot be excluded, the ANZ Group makes no warranties or representations:

regarding the quality, accuracy, merchantability or fitness for purpose of Third Party Material or products or services available through Third Party Websites; or

that Third Party Material does not infringe the intellectual property rights of any person. ANZ is not authorising the reproduction of Third Party Material by linking Material on this website to Third Party Material.

When you follow a link on the ANZ Website, material at a Third Party Website may be displayed in your browser framed by Material on this website. This material is also Third Party Material for the purpose of these Terms of Use.

All offers to sell and statements relating to goods and services available on Third Party Websites are the responsibility of and given by the Third Party Website operator. In so far as such offers and statements are made on the ANZ Website, such offers and statements are made by the ANZ Group on behalf of the operator. The ANZ Group expressly disclaims acting in any other respect on behalf of Third Party Website operators.

ANZ may receive payments from operators of Third Party Websites in relation to goods or services supplied by the operator as a result of you linking to the Third Party Website from the ANZ Website.

Unless otherwise indicated software downloads available via links from the ANZ Website are third party products. These products may be subject to a license agreement between you and the relevant product owner. To the extent permitted by law, the ANZ Group accept no liability in respect of such third party products and the ANZ Group provide no warranty and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning these products.

Material on this website may contain general information about ANZ Group products and services. Unless expressly stated otherwise, this information:

does not constitute an offer or inducement to enter into a legally binding contract; and

does not form part of the terms and conditions for ANZ Group products and services.

For further information about a particular product or service please complete the e-form on the product or service page. Material on this website does not apply to products obtained through ANZ Direct.

All applications for credit are subject to the ANZ Group's normal credit approval criteria.

Unless expressly agreed otherwise:

products and services discussed in the section of the ANZ Website which refers to the Australian operations of any ANZ Group member (the "Australian Section") will be provided only to Australian residents. These products and services are generally not available to non-Australian residents because they may not comply with non-Australian laws; and

products and services discussed in the sections of the ANZ Website which refer to the various non-Australian operations of any ANZ Group member or discussed in websites operated by any ANZ Group member outside Australia and linked to the ANZ Website (the "International Sections") will be provided only to residents of the jurisdiction to which a particular International Section applies, and only to the extent that those products and services comply with the laws of that jurisdiction.

While we have made every effort to ensure that information is free from error, the ANZ Group does not warrant the accuracy, adequacy or completeness of Material on this website. All information is subject to change without notice. ANZ recommends that you seek independent advice before acting upon Material on this website or Third Party Material. The ANZ Group does not guarantee that the ANZ Website or Third Party Websites will be free from viruses, or that access to the ANZ Website or Third Party Websites will be uninterrupted.

Subject to any responsibilities implied by law and which cannot be excluded, no member of the ANZ Group, nor any of their respective directors, employees, representatives, agents or subcontractors, is liable to you for any losses, damages, liabilities, claims or expenses whatsoever (in all cases whether direct, indirect, special, incidental, consequential, punitive, exemplary, by way of lost profits (whether or not ANZ is advised of the possibility thereof) or otherwise and including but not limited to legal costs and defence or settlement costs) arising out of or referable to Material on this website or to Third Party Material including by way of but not limited to, (i) any defects, viruses and any other malfunctions caused to any equipment and other software in connection with access or use of the ANZ Website or any Third Party Material, (ii) the information provided on or via the ANZ Website or any Third Party Material, (iii) the interception, modification or misuse of information transmitted to ANZ or transmitted to you, (iv) the functioning or non-availability of the ANZ Website or any Third Party Material, (v) the misuse of the ANZ Website or any Third Party Material, (vi) any loss of data, (vii) downloading or use of any software made available by the ANZ Website or any Third Party Material, or (viii) claims of third parties in connection with the use of the ANZ Website or any Third Party Material, whether in contract, tort including negligence, statute or otherwise.

Liability of any member of the ANZ Group (or any of their respective directors, employees, representatives, agents or subcontractors) for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at ANZ's option and as applicable, to:

the supply of the goods or services again;

the repair of the goods; or

the payment of the cost of having the goods or services supplied again or repaired.

These Terms of Use (and the agreement constituted by your use of the information, graphics and materials on the ANZ Website) and your access to the ANZ Website may be terminated at any time by ANZ without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by the ANZ Group will survive termination, however, you will no longer be authorised to access the ANZ Website.

the Australian section is provided for use only by Australian residents. The law applicable to use of the Australian section and to disputes arising out of the Australian section is the law of the State of Victoria, Australia; and

each International Section is provided for use only by residents of the jurisdiction to which that International Section applies. The law applicable to use of each International Section and to disputes arising out of the International Section is the law of that jurisdiction.

Copyright in the Material on this Website is owned or licensed by the ANZ Group.

Except where necessary for viewing the Material on this website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no Material on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of the ANZ.

"ANZ", and all associated trademarks, are trademarks of Australia and New Zealand Banking Group Limited.

You acknowledge and accept that your use of the ANZ Website indicates your acceptance of these Terms of Use and the Privacy and Security Statement.

These are the current Terms of Use. They replace any other terms of use for the ANZ Website published on the ANZ Website to date. ANZ may at any time vary the Terms of Use by publishing the varied Terms of Use on the ANZ Website. You accept that by doing this, ANZ has provided you with sufficient notice of the variation.